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Answer: $659.83
Steps:
1.) Previous balance = 3529.30
APR = 18.6%, thus monthly interest rate = 18.6 / 12 = 1.55%
Previous balance + interest = 3529.30(1 + 0.0155) = 3584.00
New balance after transaction = 3584.00 + 148 = 3732.00
2.) Previous balance = 5834.53
APR = 20.4%, thus monthly interest rate = 1.7%
Previous balance - payment = 5834.53 - 150 = 5680.53
Balance + interest = 5634.53(1 + 0.017) = 5781.17
New balance after transaction = 5781.17 + 325 = 6106.17
3.) Total payment = 15264
Number of payments = 72 monthly payments
Monthly payment = 15264 / 72 = 212
4.) Amount bollowed = 7400 at 7% APR
Amount plus interest = 7400(1 + 0.07) = 7918
Monthly payment = 7918 / 12 = 659.83